Santa Barbara Online Donations Charity Fundraising Services

SBMerchant is part of the community.  Give us a call and we'll help you where we can.

Effective October 15, 2011, Visa introduced the Consumer Credit Card Charity Interchange Rate Program. This program is for charitable groups who have a Merchant Account created using Merchant Category Code (MCC) 8398 and are the only organizations that qualify for this program.


The interchange rate for this program is 1.35% + $0.05 for all Visa consumer credit products.

Requirements for this Interchange Rate are as follows:

  • Based in the U.S.
  • All Visa consumer card types such as CPS/Card Not Present, CPS/eCommerce Basic & Preferred, CPS/Retail Key-Entry
  • Transaction settled within 1 day of authorization, authorization response data included in settled transaction.
  • Limited to Charitable/Social Service Org. MCC 8398.

Alternatively if your group has no other choice than to use a Payment Aggregator service we can point you in that direction also.

That’s it. That’s all there is to it.

Santa Barbara Merchant Services